Pricing
The whole budget tracker is free, with no account and no card. Paid plans add optional services on top. On every plan your data stays encrypted with a key only you hold.
Coming soon. Paid plans are not on sale yet. The prices and paid features shown here are provisional and may change before launch. Everything in the Free plan is available today.
The whole budget tracker, on your device.
$0free
No card. No account.
Everything connected, with AI included.
$6per month$5per month, billed $60 yearly
Cancel any time.
Pay once. Keep the extras for good.
$149once
One payment. No subscription.
Feature comparison
Everything the app does today is in Free. Rows tagged Planned are not built yet.
| Feature | Free | Pro | Lifetime |
|---|---|---|---|
| Budgeting | |||
| Accounts, transactions and peopleNo limits on any plan. | Unlimited | Unlimited | Unlimited |
| Dashboard and reportsSpending, trends, budget health, commitments, income and per-person views. | Included | Included | Included |
| Budgets with carry-over and savings funds | Included | Included | Included |
| Loans with payoff projectionsIncluding deferred-interest promos. | Included | Included | Included |
| Subscription and recurring-bill detection | Included | Included | Included |
| Projects and trips | Included | Included | Included |
| Reminders and payment alerts | Included | Included | Included |
| Guided import of bank filesCSV, OFX and QFX, with duplicate detection and undo. | Included | Included | Included |
| Read-only SQL console | Included | Included | Included |
| Privacy and security | |||
| Encrypted database on your device | Included | Included | Included |
| Password, recovery phrase and passkeys | Included | Included | Included |
| No ads, no trackers, no data selling | Included | Included | Included |
| Works without an accountPaid plans need a way to recognise your purchase. Your financial data is still never sent to us. | Included | Billing account only | License key only |
| Sync and backup | |||
| Local storage in your browser | Included | Included | Included |
| Sync through your own Google Drive or OneDrive | Included | Included | Included |
| Encrypted export and import | Included | Included | Included |
| Managed encrypted syncPlannedYour devices stay in step without a cloud drive of your own. | Not included | Included | Included |
| Backup historyPlannedRoll back to an earlier copy of your database. | Not included | 30 days | 30 days |
| AI assistant | |||
| Local models in your browser | Included | Included | Included |
| Your own local endpoint or API keyOllama, LM Studio, or a cloud provider you choose. | Included | Included | Included |
| Tool consent controls | Included | Included | Included |
| Hosted AI, no setupPlannedAsk questions without running a model or managing a key. | Not included | Monthly credits included | Pay as you go |
| Extras | |||
| Nine languages and per-account currencies | Included | Included | Included |
| Light, dark and compact themes | Included | Included | Included |
| Automatic exchange ratesPlannedDaily rates instead of entering them by hand. | Not included | Included | Included |
| Priority supportPlanned | Not included | Included | Included |
| Early access to new featuresPlanned | Not included | Included | Included |
Pricing questions
Yes. The budget tracker you see in the screenshots is the Free plan: no trial clock, no card and no account. Paid plans add optional extras on top of it.
Pro is a subscription that includes the hosted AI assistant with credits every month. Lifetime is a single payment that unlocks the same app extras for good; hosted AI is available on Lifetime as pay-as-you-go credits, because it costs money every time it runs.
Checkout will be handled by Stripe. Card details go to Stripe and never touch ptbudget, and your budget data is not part of the purchase in any way.
No. Your database stays encrypted with a key only you hold on every plan. Managed sync stores only the encrypted file, which cannot be read without your password or recovery phrase.
You will be able to cancel Pro at any time and keep using everything in Free. Nothing about your data changes when a subscription ends. Refund terms will be published before the paid plans go on sale.